Apologies if this is a basic request but I'm absolutely terrible with spreadsheet macros in general.

They did, however, need the 20% down payment up front for the purchase, which they had in savings and borrowed from her 401k, which doesn't count toward debt-to-income ratio. 

@Dan Krupa thank you for the heads up, a buddy of ours has invested out there with success and now he’s moving out there, my husband feels more confident looking in a place where we have a friend that we can count on to help us out with anything out there.

We're going to set up an investment account for the"properties".And does that property Investments still count for both of is with leveraging loans?

Although before moving back to my own house we had an agreement that I would only pay utilities plus some other bills like Netflix, etc, while I was getting out of debt. they are using an  excuse that my girlfriend is at home so everybody got a pay for her/his own room, Although she only use water Gas and electricity Morally I decided to stop counting with my home-equity  because I think it’s a big responsibility and my family is living there too. 

The computer can parse more information, but it can only really look at what data is readily available to it (namely macro level trends).

@Chris HadleyI live in NJ, but all my RE are in The woodlands and surroundings....Does that counts?

I am also not expecting or counting on said inheritance.

I am also not expecting or counting on said inheritance.

But as a conservative investor, I don't count on it.So what I do is a severe recession stress test on every investment.